Evolve Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Evolve Bank & Trust of Memphis, TN reported 671 mortgage applications totaling $207.3 million, down 65% from 2024. The average application was for $308,874, and applicants reported an average income of $152,913. 71% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Memphis, TN-MS-AR (247), Jonesboro, AR (67) and Little Rock-North Little Rock-Conway, AR (18) (applications in parentheses).
| Mortgage Company & Address | Evolve Bank & Trust 6000 Poplar Avenue Suite 300 Memphis, TN 38119 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 671 |
| Total Mortgage Loan Application Amount | $207,255,000 |
| Average Mortgage Loan Application Amount | $308,874 |
| Highest Mortgage Loan Application Amount | $4,805,000 |
| Average Applicant Income | $152,913 |
| Highest Applicant Income | $926,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Evolve Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Memphis, TN-MS-AR | 247 | $ 75,305,000 | $ 304,878 | $ 133,182 |
| Outside any metro area | 83 | $ 21,125,000 | $ 254,518 | $ 158,060 |
| Jonesboro, AR | 67 | $ 13,825,000 | $ 206,343 | $ 153,000 |
| Little Rock-North Little Rock-Conway, AR | 18 | $ 2,590,000 | $ 143,888 | $ 180,000 |
| Nassau County-Suffolk County, NY | 15 | $ 7,815,000 | $ 521,000 | $ 301,000 |
| Worcester, MA-CT | 15 | $ 4,105,000 | $ 273,666 | $ 113,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 14 | $ 4,520,000 | $ 322,857 | $ 170,000 |
| New York-Jersey City-White Plains, NY-NJ | 12 | $ 8,830,000 | $ 735,833 | $ 188,000 |
| Springfield, MA | 12 | $ 2,510,000 | $ 209,166 | $ 95,000 |
| Los Angeles-Long Beach-Glendale, CA | 10 | $ 8,080,000 | $ 808,000 | $ 226,000 |
| Cambridge-Newton-Framingham, MA | 9 | $ 4,145,000 | $ 460,555 | $ 185,000 |
| Washington, DC-MD | 9 | $ 3,715,000 | $ 412,777 | $ 152,666 |
| Wilmington, DE-MD-NJ | 9 | $ 3,355,000 | $ 372,777 | $ 109,222 |
| Albany-Schenectady-Troy, NY | 8 | $ 2,680,000 | $ 335,000 | $ 174,000 |
| Bridgeport-Stamford-Norwalk, CT | 8 | $ 2,570,000 | $ 321,250 | $ 169,000 |
| Joplin, MO | 7 | $ 1,145,000 | $ 163,571 | $ 44,000 |
| Oklahoma City, OK | 7 | $ 1,545,000 | $ 220,714 | $ 217,000 |
| Boston, MA | 6 | $ 3,460,000 | $ 576,666 | $ 191,000 |
| Tulsa, OK | 6 | $ 910,000 | $ 151,666 | $ 348,000 |
| Birmingham-Hoover, AL | 5 | $ 1,905,000 | $ 381,000 | $ 145,000 |
| Dallas-Plano-Irving, TX | 5 | $ 1,025,000 | $ 205,000 | $ 155,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 1,825,000 | $ 365,000 | $ 122,000 |
| Glens Falls, NY | 4 | $ 900,000 | $ 225,000 | $ 81,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 1,780,000 | $ 445,000 | $ 137,000 |
| St. Louis, MO-IL | 4 | $ 1,380,000 | $ 345,000 | $ 200,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 1,320,000 | $ 330,000 | $ 86,000 |
| Waterbury-Shelton, CT | 4 | $ 1,630,000 | $ 407,500 | $ 139,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 1,185,000 | $ 395,000 | $ 99,000 |
| Columbus, OH | 3 | $ 1,125,000 | $ 375,000 | $ 232,000 |
| Jackson, MS | 3 | $ 425,000 | $ 141,666 | $ 75,000 |
| Jackson, TN | 3 | $ 635,000 | $ 211,666 | $ 106,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 860,000 | $ 430,000 | $ 106,000 |
| Charleston-North Charleston, SC | 2 | $ 1,070,000 | $ 535,000 | $ 160,000 |
| Chattanooga, TN-GA | 2 | $ 350,000 | $ 175,000 | $ 131,000 |
| Dover, DE | 2 | $ 560,000 | $ 280,000 | $ 67,000 |
| Fort Worth-Arlington, TX | 2 | $ 410,000 | $ 205,000 | $ 278,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 540,000 | $ 270,000 | $ 150,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 410,000 | $ 205,000 | $ 76,000 |
| Hot Springs, AR | 2 | $ 430,000 | $ 215,000 | $ 101,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 370,000 | $ 185,000 | $ 248,000 |
| Kansas City, MO-KS | 2 | $ 340,000 | $ 170,000 | $ 116,000 |
| New Haven-Milford, CT | 2 | $ 860,000 | $ 430,000 | $ 128,000 |
| Norwich-New London, CT | 2 | $ 480,000 | $ 240,000 | $ 103,000 |
| Providence-Warwick, RI-MA | 2 | $ 960,000 | $ 480,000 | $ 182,000 |
| Rockingham County-Strafford County, NH | 2 | $ 680,000 | $ 340,000 | $ 267,000 |
| San Antonio-New Braunfels, TX | 2 | $ 340,000 | $ 170,000 | $ 127,000 |
| Amarillo, TX | 1 | $ 195,000 | $ 195,000 | $ 83,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 695,000 | $ 695,000 | $ 233,000 |
| Asheville, NC | 1 | $ 305,000 | $ 305,000 | $ 132,000 |
| Barnstable Town, MA | 1 | $ 705,000 | $ 705,000 | $ 270,000 |
| Cape Girardeau, MO-IL | 1 | $ 265,000 | $ 265,000 | $ 132,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 275,000 | $ 275,000 | $ 139,000 |
| Chicago-Naperville, IL | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Cincinnati, OH-KY-IN | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 485,000 | $ 485,000 | $ 273,000 |
| Grants Pass, OR | 1 | $ 185,000 | $ 185,000 | $ 100,000 |
| Hattiesburg, MS | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Huntsville, AL | 1 | $ 205,000 | $ 205,000 | $ 926,000 |
| Jacksonville, FL | 1 | $ 365,000 | $ 365,000 | $ 148,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 1 | $ 405,000 | $ 405,000 | $ 475,000 |
| Knoxville, TN | 1 | $ 245,000 | $ 245,000 | $ 121,000 |
| Manchester-Nashua, NH | 1 | $ 275,000 | $ 275,000 | $ 110,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 315,000 | $ 315,000 | $ 195,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 305,000 | $ 305,000 | $ 175,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 345,000 | $ 345,000 | $ 93,000 |
| Philadelphia, PA | 1 | $ 145,000 | $ 145,000 | $ 152,000 |
| Rochester, NY | 1 | $ 305,000 | $ 305,000 | $ 103,000 |
| Salinas, CA | 1 | $ 965,000 | $ 965,000 | $ 370,000 |
| Salisbury, MD-DE | 1 | $ 235,000 | $ 235,000 | $ 44,000 |
| San Diego-Carlsbad, CA | 1 | $ 315,000 | $ 315,000 | $ 134,000 |
| Sebastian-Vero Beach, FL | 1 | $ 375,000 | $ 375,000 | $ 206,000 |
| Springfield, MO | 1 | $ 215,000 | $ 215,000 | $ 281,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 465,000 | $ 465,000 | $ 290,000 |
| Syracuse, NY | 1 | $ 295,000 | $ 295,000 | $ 95,000 |
| Tampa, FL | 1 | $ 435,000 | $ 435,000 | $ 143,000 |
| Trenton, NJ | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Tuscaloosa, AL | 1 | $ 555,000 | $ 555,000 | $ 249,000 |
| Wilmington, NC | 1 | $ 245,000 | $ 245,000 | $ 242,000 |
Mortgage Loan Application Detail Totals for Evolve Bank & Trust in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 527 | $156,755,000 | $297,000 | $2,265,000 | $157,000 | $926,000 |
| Refinancing | 87 | $31,725,000 | $364,000 | $2,355,000 | $158,000 | $924,000 |
| Cash-out Refinancing | 42 | $12,340,000 | $293,000 | $1,125,000 | $122,000 | $259,000 |
| Home Improvement | 12 | $6,030,000 | $502,000 | $4,805,000 | $71,000 | $105,000 |
| Other Purpose | 3 | $405,000 | $135,000 | $185,000 | $48,000 | $100,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 393 | $115,655,000 | $294,000 | $1,545,000 | $151,000 | $924,000 |
| Not applicable | 79 | $26,275,000 | $332,000 | $4,805,000 | $0 | $0 |
| Black or African American | 76 | $22,760,000 | $299,000 | $745,000 | $108,000 | $324,000 |
| Not Provided | 48 | $14,510,000 | $302,000 | $765,000 | $195,000 | $559,000 |
| Hispanic | 42 | $17,780,000 | $423,000 | $1,125,000 | $160,000 | $475,000 |
| Asian | 31 | $9,645,000 | $311,000 | $815,000 | $223,000 | $926,000 |
| American Indian or Alaskan Native | 1 | $465,000 | $465,000 | $465,000 | $300,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $165,000 | $165,000 | $165,000 | $53,000 | $53,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 498 | $150,130,000 | $301,000 | $4,805,000 | $174,000 | $926,000 |
| FHA-insured (Federal Housing Administration) | 124 | $39,660,000 | $319,000 | $1,085,000 | $104,000 | $637,000 |
| VA-guaranteed (Veterans Administration) | 43 | $15,695,000 | $365,000 | $725,000 | $113,000 | $291,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $1,770,000 | $295,000 | $385,000 | $94,000 | $115,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 477 | $138,705,000 | $290,000 | $4,805,000 | $157,000 | $926,000 |
| Application Withdrawn By Applicant | 120 | $38,890,000 | $324,000 | $1,085,000 | $148,000 | $924,000 |
| Application Denied By Financial Institution | 56 | $22,240,000 | $397,000 | $895,000 | $131,000 | $273,000 |
| Application Approved But Not Accepted | 14 | $5,420,000 | $387,000 | $1,125,000 | $172,000 | $550,000 |
| Loan Purchased By The Institution | 4 | $2,000,000 | $500,000 | $835,000 | $206,000 | $456,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 615 | $185,015,000 | $300,000 | $4,805,000 | $156,000 | $926,000 |
| Credit Application Incomplete | 28 | $13,600,000 | $485,000 | $895,000 | $142,000 | $273,000 |
| Other | 11 | $3,645,000 | $331,000 | $725,000 | $139,000 | $220,000 |
| Collateral | 7 | $2,205,000 | $315,000 | $745,000 | $131,000 | $163,000 |
| Debt-To-Income Ratio | 4 | $1,050,000 | $262,000 | $405,000 | $66,000 | $132,000 |
| Credit History | 3 | $395,000 | $131,000 | $195,000 | $59,000 | $91,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,000,000 | $500,000 | $615,000 | $156,000 | $186,000 |
| Unverifiable Information | 1 | $345,000 | $345,000 | $345,000 | $200,000 | $200,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Evolve Bank & Trust's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Evolve Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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